That's.hy it's important to establish a separate credit report for your business. We encourage members to have open and candid discussions and debates. Establish a minimum ‘low 5’ bank rating – establish bank credit with your small business bank account . You may not rely on any statements or informal policies purporting to provide you with any expectation of privacy regarding communications on this system. A score below 20 means the business pays 120 days or more after payments are due. In addition, you should open a business credit card in the name of the business and use it wisely — meaning